I've been having a recurrent nightmare recently. My dream keeps on taking me back to that fateful day many years ago when I collided with the Kalvin Krime truck and lost my faculty to smell. The last vision I have, just before I wake up screaming, is the face of the truck driver, the evil intent in his eyes, and the faint smile on his lips, as tranquil as my yoga master.

I made two mistakes that day: not putting on my seatbelt (and suffering horrific nasal injuries as a result) and not renewing my auto insurance. Since I was no longer covered, my insurance claim against Kalvin Krime was refused, even though the truck driver was the responsible party.

This is why, Brian, I'd like you to review the Delavigne auto insurance policies for our company vehicles. I'd like to be sure that our fleet has insurance coverage for all eventualities, including acts of God.

I'm counting on you, Brian. The health of your Delavigne colleagues is in your hands.

Shannon: It means that your vehicles aren't covered. In the event of an accident, if someone files a claim against you, you could be liable for thousands of dollars in damages. Not to mention that it is illegal to drive in most states without at least some liability insurance.

Brian: Lucky I called you. Bruno would kill me if he found out!

Shannon: It sounds like you might need life insurance as well. I'll send you an e-mail with details of the last policy your company purchased.

Brian: Ok, thanks.

Shannon: Check it, and with your agreement we can renew the same policy.

You have a $500 deductible on your comprehensive and collision coverage, meaning that Ouch Insurance will pay for any damages above this amount. Ouch Insurance will pay to repair your vehicle up to its market value.

Your coverage began on January 1, 2009. This policy expires on January 1, 2010.